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Q: What does a Montenegro IBAN look like?

A Montenegro IBAN follows this format: ME25 5050 0001 2345 6789 51. The first two letters (ME) identify the country, followed by two check digits, then the BBAN.

Q: Is Montenegro part of SEPA?

No, Montenegro is not part of SEPA. International transfers to Montenegro are processed through the SWIFT network.

Akif Hazarvi

Montenegro IBAN

ME·EUR

The International Bank Account Number (IBAN) for Montenegro is 22 characters long and is used to identify bank accounts for international transactions via the SWIFT network.

A Montenegro IBAN begins with the country code ME and two check digits, followed by the 18-character BBAN (Basic Bank Account Number). The Montenegro BBAN encodes a 3-character bank code, followed by a 13-character account number, followed by a 2-character national check digit. International transfers to Montenegro are processed in EUR via SWIFT, typically taking 1–3 business days. Always include the full 22-character IBAN together with the bank's BIC/SWIFT code when making or receiving international payments.

IBAN Length

22 chars

Currency

EUR

SEPA

No

Banks

1+

Example IBAN

Electronic format

ME25505000012345678951

Print format

ME25 5050 0001 2345 6789 51

IBAN structure for Montenegro

A Montenegro IBAN is 22 characters long and consists of the following components:

Country code

ME

Check digits

25

Bank code

3 chars

Account number

13 chars

National check digit

2 chars

Total length22 characters

BBAN format details

The Basic Bank Account Number (BBAN) is the domestic part of the IBAN, following the country code and check digits. Here is the BBAN validation format for Montenegro:

Bank code3 characters

^[0-9]{3}

Account number13 characters

^[0-9]{13}

National check digit2 characters

^[0-9]{2}

Major banks in Montenegro

1 banks in Montenegro that support IBAN-based international transfers:

C

Crnogorska Komercijalna Banka Ad Podgorica

Understanding IBAN in Montenegro

What is the IBAN format in Montenegro

An IBAN (International Bank Account Number) is an internationally-agreed code made up of up to 34 letters and numbers that helps banks make sure that international transfers are processed correctly. Each set of characters represents a different detail for your bank account. You can see the breakdown of this IBAN below.

What is the IBAN code in Montenegro

IBAN in Montenegro consists of 22 characters: 2 letter country code 2 digit check number 3 characters from the bank's bank code 13 digit code for the bank account number 2 digit code for national code

Do you need an IBAN in Montenegro

Yes. If you’re making – or expecting to receive – an international money transfer to a bank account in Montenegro, then just a standard bank account number isn’t enough. If you want your money to arrive quickly and safely, you’ll usually need to give the bank a few extra details, such as an IBAN or SWIFT code. Banks assign IBANs to each of their accounts to make sure that international transfers are processed correctly. IBANs contain all of the country, bank, and account details you need to send or receive money internationally. This system is used throughout Europe, and also recognised in some areas of the Middle East, North Africa and the Caribbean.

Frequently asked questions

How many characters is a Montenegro IBAN?

A Montenegro IBAN is exactly 22 alphanumeric characters long, starting with the country code "ME" followed by two check digits and the domestic bank account details (BBAN).

What does a Montenegro IBAN look like?

A Montenegro IBAN follows this format: ME25 5050 0001 2345 6789 51. The first two letters (ME) identify the country, followed by two check digits, then a 3-character bank code, and a 13-character account number, and a 2-character national_check_digit.

Is Montenegro part of SEPA?

No, Montenegro is not part of the SEPA (Single Euro Payments Area). International transfers to Montenegro are processed through the SWIFT network, which may take longer and cost more than SEPA transfers.

How do I find my IBAN in Montenegro?

You can find your Montenegro IBAN on your bank statement, in your online banking portal, or by contacting your bank directly. The IBAN is typically printed on the front or back of your bank card in many countries. You can also use our IBAN calculator tool to generate it from your domestic bank details.